Can I get an Emergency Loan for bad credit?

Yes, it is possible. Your credit history is exactly that – history. We believe in responsible lending and consider every Emergency Loan application on its individual merit.

Emergency Loans

Q: How much can I borrow with an Emergency Loan?

You can borrow between $2,000 and $5,000 with an Emergency Cash Loan from Swoosh to cover any unexpected expenses.

Q: How quickly can I get an Emergency Cash Loan?

Our 100% online application only takes minutes to fill out. Once received, we can get you the money you need on the same day. There’s no long, drawn-out approval process. Because, when you find yourself in an emergency situation, you want to get yourself out of it fast.

Q: What can I use my Emergency Loan for?

You can use your Emergency Loan for anything you need to. Perhaps your car has broken down or your dog has fallen sick? Maybe you need to make urgent repairs to your property or one of the kids needs emergency dental. Whatever your situation is, we can help.

Q: Am I eligible to get an Emergency Loan?

To be eligible for a Swoosh Emergency Loan, you only need to meet the following simple criteria: be over 18 years old, be a citizen/permanent resident of Australia, be employed for at least 3 months and own a vehicle registered in your name.

Q: Can I apply for an Emergency Loan with Swoosh if I have an existing loan with another company?

Yes, if you have other loans you can still apply for an Emergency Loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan. Find out more: How To Get A Cash Loan

Let Swoosh help you tackle any emergency

Learn more

What are emergency loans?

Emergency Loans are for anything that you did not see coming. If you are after a quick loan of up to $5,000, we can help. Our 100% online application process is fast, easy, and hassle-free so you can concentrate on dealing with the emergency. Apply for a loan with Swoosh online and we’ll get your emergency cash into your bank account fast.

Reasons for an emergency loan

You can use your emergency loan for anything you need to. Perhaps your car has broken down or your dog has fallen sick. Maybe you need to make urgent repairs to your property, emergency dental care, or you need an emergency payday loan to help cover rent when other costs pop up. Whatever your reason and situation is, we can help. You don’t need to tell us what the emergency is. Just tell us how much you need and we’ll make sure the funds are with you on the same day. At least that’s one load off your mind.

If you need an emergency vet loan, you can apply now for urgent cash or check out our blog for 12 ways to get help with vet bills.

Am I eligible to get an emergency loan?

To be eligible for a Swoosh Emergency Loan, you only need to meet the following simple criteria:

Be over 18 years old

Citizen/Permanent Resident of Australia

Employed for at least 3 months

Own a vehicle registered in your name

Can I get an emergency loan with bad credit in Australia?

Yes, it is possible. We offer emergency loans for bad credit because we believe your credit history is exactly that – history. Responsible lending is our core principle and we consider every emergency loan application on its individual merit.

How do emergency loans work?

You can borrow money in an emergency by applying online and submitting all the required information. Once you have the cash you can use it for any type of emergency and pay it off in easy instalments over 12 months..

Fees and interest rates

There are no hidden fees and charges with our emergency cash loans. We also don’t add any extra fees if you pay back your loan sooner than scheduled. So you can pay it back as soon as you’re ready.

Our fees include:

$0 application fee (even if your application is not approved)
$400 establishment fee (included in the amount borrowed)
$16 PPSR and security check (included in the amount borrowed)

Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.

Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Your interest rates are fixed for the loan term — so you know exactly what to expect.

If a scheduled payment is returned unpaid, we may issue a $35.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay the usual interest charges as described.

Find out more: Payday Loans Rates and Fees

How quickly can I get an emergency cash loan?

You can apply 24/7 with our online application form – it only takes minutes to fill out. Once received, we can get you the money you need on the same day you are approved (within business hours). Because when you need emergency cash immediately, you don’t want to wait around for a long, drawn-out approval process.

Read our guide on instant approval personal loans.

Easy, flexible loan repayments

To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. You can choose to have weekly, fortnightly, or monthly payments. We also only approve your loan application if we believe you can repay it.

Can I apply for an emergency loan with Swoosh if I have an existing loan with another company?

Yes, if you have other loans you can still apply for an emergency loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.

Apply for an emergency loan today

We aim to make our emergency fast cash loans as simple as possible. Because when you need cash urgently, the last thing you want to deal with is a long application.

Here is how you can apply to borrow emergency money in 3 easy steps:

1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.

2. Approval of your loan is provided within 60 minutes of you providing require information (during business hours)*. The decision will arrive promptly – right in your inbox.

3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.

No need to sign-up for an account. Apply Now.

Calculate your loan repayments

Paid back over?

Weekly Fortnightly Monthly

Borrowing

0

Interest & Fees

0

Total to repay

0

Weekly Repayment

0

Get your loan!

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.

FAQs

How much emergency money can I borrow with a loan?

You can borrow between $2,100 and $5,000 with an emergency cash loan from Swoosh to cover any unexpected expenses.

Can I get an emergency loan with a low income?

You may still be eligible as long as you are employed for at least 3 months with a consistent income. As responsible lenders, we need to verify that you can reasonably repay your loan.

What do I do if I need cash urgently?

You can apply for a Same Day Loan or check out our blog on how to earn money fast for ways to get urgent cash when you need it.

Testimonials

Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...

Shayne Khan

Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!

Eric L Rose

Hannah was very helpful and always got back to me promptly

Mena Baines

Stacey and Ana from swoosh was very helpful in my enquiry and assisting me over a 2 day period to process my application. She made this experience very easy for me and her customer service is next level. Would definitely recommend asking for Stacey or Ana for any future applications. Thankyou so much for your help

Pacey Tusiupu

I would like to thank Ana for making my application so easy and fast, very happy with this company they have always helped me when ever I have needed

Belinda Whitby

Fast and officiant, Hannah was really great always kept updating me on what I needed to do, definitely a great experience, please give her a payrise

Nathan Tivalu

Carin was extremely helpful + personable throughout my experience. A great asset to the team!

Madison Coster

Carin was great to deal with thanks

Tommy Montana

Fast service. Thanks Ana

Sherwin Zuidema

Tamara at Swoosh has been very very helpful Steve

Steve Bock

thanks Sophie for your prompt response well done😊

Andrea “Andy dann” Dann

Wonderful team, Carin was great to deal with, made it all a simple and easy procedure.

Ibrahim Omay

I am happy with the prompt service of Swoosh. They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way. Thank you very much.

Sena Dire mulata

Carin has been fantastic through the application process. Keep up the great work Carin. 😁

Julie Vaigafa

Great to deal with and easy to apply. Very understanding of your individual situation Big thanks to Carin for her help :-)

James Hocking

Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.

NUGGET gaming

I have received great assistance from Ana and I'm happy with the outcome of my application

Luke lee Boslem

Danz Mojae

Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!

Beau

I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana

Tanielle Oleary

Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance

Nookorn Young

The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!

farizzudin mohamad taib

Very happy customer have had nothing but good service when topping up

Stephen Cornish

Always very friendly customer service and always very prompt.

Julie Fisher

Carin was very helpful 😁

Brittney

Great customer service!

William Schweinheim

Very happy with the service have used these guys a few times and will keep on using them

Sam Blaschek

Good fast service and reliable credit facility. Highly recommend Swoosh finance

Rebecca King

Excellent service with minimal fuss, highly recommend

Robert Jarrett

Very prompt and professional. Would borrow from them again

adele Wright

Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌

samantha french

Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me Thank you swoosh

jasmin andrews

At first the application was rejected but following day was advise it will be reassessed. Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend

Jay E

Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation. He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement. I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client. Kindest regards CJS

Cory Sims

Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.

Livia Faatiarau

Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!

Michael McQuade

My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.

PRISCILLA JANE

Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours. Very responsive, very happy with the outcome.

Sarah Tepuni

Superfast , no delays once already have/ had a loan

Ryker Natural Products

A++++

Winifred Angel Roycroft

Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.

Holly Toolin

After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.

Carol Schobbe

Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂

Nikita Gorogo

Swoosh was really good in understanding and service was great and pretty quick as well.

Denis V

They did good job and at a reasonable rate.

James Cross

i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.

adrian brewer

By far the best loan experience out of four others that I have dealt with. All staff are great ive dealt with are great. Fast responce through bot and email with up to date information so I wasn't left wondering. 10/10

daniel s

Very quick and so easy thanks

John Knoll

Quick and easy

Lyndell Gibson

Very helpful and fast process. I'd recommend them to anyone as their repayments are fair and affordable. Thank you Swoosh.

darren archer

Easy to deal with and done in quick time.

Allan Mahoney

Ryan was extremely Friendly and helpful during the whole process

Nicole Halliwell

Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless

Jeralie Emnace

Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++

Kessy Tav

Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜

Hızır reis Reis

Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…

Steven Fitzgerald

I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.

Mia Toomey

Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again

Carol Woodcock

Good friend lily people an quick approval

Tony Mudge

Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap

Derek Walker

Greatest company to deal with!!

Renae Bowerman

Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you

Laura C

Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽

Grant Bottrell

Was great to work with was told it would be 24 hours before I found out as was the end of the day . By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes. Thanks

Luke Wilson

I recommend this company.

muni howard

Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online

V Vegh

Excellent start to finish experience. The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.

Mark Atha

They took the time to look at my application and gave me options. Only thing I don’t like as an existing customer is if u wanna pay extra off ur loan or increase your repayments they charge u a fee

Nicki Bunn

Maria Cabrera

Dimitrios Velingos

Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.

Jason Stanford

Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.

Karyn Quinn

Tracey Grounds

The Swoosh difference

Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.

We put you first, ensuring you have all of the information upfront.

Swoosh Cash Loans give you the funds you need now from a lender you can trust.

Want to chat to someone?

Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist

Apply Now

Follow us